Guaranty Trust Bank loan calculator for Ksh 5,000,000 over 5 years.
Estimate repayment for a Guaranty Trust Bank loan using the current 15.61% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 120,557
60 monthly payments
Estimated total repayment
Ksh 7,233,397
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 2,233,397
At 15.61%
Current Guaranty Trust Bank loan interest rate
Guaranty Trust Bank is listed at 15.61% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
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Loan details
KESCentral Bank of Kenya · May 2025
-0.38 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 137,732
For 60 months · incl. fees
Total repaid
Ksh 7,953,151
Principal Ksh 5,000,000 + Ksh 2,953,151 extras
Effective APR
21.02%
Advertised rate 15.61% · 44.7% interest on principal
Repayment mix over 5 years
Early payments lean on interest; later ones clear principal.
Amortisation (yearly)
End of year · KES| Year | Interest paid | Principal paid | Balance |
|---|---|---|---|
| 0 | Ksh 0 | Ksh 0 | Ksh 5,000,000 |
| 1 | Ksh 730,709 | Ksh 715,970 | Ksh 4,284,030 |
| 2 | Ksh 1,341,302 | Ksh 1,552,057 | Ksh 3,447,943 |
| 3 | Ksh 1,811,627 | Ksh 2,528,411 | Ksh 2,471,589 |
| 4 | Ksh 2,118,152 | Ksh 3,668,565 | Ksh 1,331,435 |
| 5 | Ksh 2,233,397 | Ksh 5,000,000 | Ksh 0 |
What affects repayment?
Monthly repayment depends on loan amount, term, lending rate, processing fee, insurance and excise duty on interest.
Longer term tradeoff
A longer term can reduce monthly instalments but usually increases total interest paid over the life of the loan.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.